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Notre répondeur Vocal pour laisser un message vocal à Laetitia van Wijck ou à Michel en réaction à ce podcast : https://www.vodio.fr/repondeur/308/ Et si une soirée pouvait changer votre manière d'aborder les RH ? Dans cet épisode Humana du podcast hrmeetup.©, on tend le micro à Laetitia van Wijck, fondatrice de StepChange. Elle participait pour la première fois à une de nos soirées Humana, et le moins qu'on puisse dire… c'est que l'expérience l'a marquée. En quelques minutes, elle partage un retour à chaud, authentique, sans filtre, comme on les aime! Qu'est-ce qu'elle y a trouvé ? Du fun, mais pas que. Des échanges qui bousculent les idées reçues. Une vraie collaboration. Des outils concrets à ramener dès le lendemain dans sa pratique RH. Cette conversation est aussi l'occasion d'aborder un sujet sensible : les freins au changement dans certaines cultures d'entreprise. Et si les soirées Humana étaient un antidote à ces inerties ? Cet épisode, c'est une bulle de spontanéité et de lucidité. C'est aussi un appel lancé à celles et ceux qui veulent expérimenter autrement les RH. Et si, comme Laetitia, vous veniez découvrir cette expérience immersive, enrichissante, et profondément humaine ? Écoutez, partagez, commentez… ou laissez-nous un message vocal. On adorerait entendre ce que vous en pensez. Note: le succès de ces rencontres ne cesse de grandir, le prochain rendez-vous du 10 avril est déjà sold-out ! Mais pas de panique, on vous donne rendez-vous dans deux mois... Pour être tenu·e au courant et ne rien manquer, suivez-nous dès maintenant sur notre page Eventbrite (cliquez sur le bouton “Suivre”). Nos podcasts incluent un voicemail pour poser vos questions, un séquençage pour naviguer facilement, et une transcription intégrale pour les rendre accessibles aux personnes sourdes et malentendantes. Avec le plugin Google Translate, profitez-en dans toutes les langues Mise à jour 2024 :Les soirées hrmeetup continuent sous un nouveau nom, "Humana". Le nom a changé, mais le concept reste presque le même. Plus d'infos : ici Humana, c'est :Du fun : un apéro offert par notre sponsor Q7 Leader pour démarrer la soirée dans la bonne humeur. Des échanges enrichissants : des rencontres, des discussions, et de l'intelligence collective. Des apprentissages concrets : des ateliers ludo-dynamiques pour acquérir des outils pratiques et directement applicables dès le lendemain. Séquençage du podcast :[00:00:34] Introduction et contexte du podcast [00:00:55] Le côté « Fun » [00:01:10] La collaboration [00:01:47] L'apprentissage [00:02:14] La découverte des soirées Humana [00:02:41] Niveau de satisfaction [00:02:47] Le Talent Management [00:03:19] Et en entreprise ? [00:03:38] Pourquoi nous rejoindre ? [00:03:56] Côté Networking [00:04:14] Un petit mot sur StepChange [00:04:33] Appel à l'action : le voicemail [00:04:49] Clôture du podcast
StepChange debt charity are raising awareness of a type of economic abuse called Coerced Debt. Amelia spoke to Genevieve Richardson to learn more about who is at risk and what support is available. Learn more about coerced debt and how to get support on the StepChange website - Coerced Debt Report. Too Close To Home. StepChange Image shows the RNIB Connect Radio logo. On a white background ‘RNIB' written in bold black capital letters and underline with a bold pink line. Underneath the line: ‘Connect Radio' is written in black in a smaller font.
In today's episode of Mad About Money, ADHD coach and comedian Suzi Payton shares her journey from being £20,000 in debt to becoming debt-free. Suzi opens up about the financial chaos she faced, including avoiding bills, ignoring letters, and living in denial - until the wake-up call that changed everything.Suzi dives deep into her experience of spiraling debt and how a budgeting exercise with StepChange helped her take control of her finances. She reveals how the journey out of debt wasn't just about the money - it was about overcoming shame, shifting her mindset, and learning valuable financial lessons that she wishes she'd been taught in school.Through it all, Suzi's ADHD and autism were an underlying factor that she didn't fully understand at the time. Now, she's using her journey of self-discovery and personal development to help others navigate similar challenges.Listen to the full episode to hear how Suzi turned her financial life around, and how she's stayed debt-free by tackling her money mindset head-on.What's coming up:Suzi's story of living in denial about her debt and the moment she had to face the reality of her financesHow a budgeting exercise revealed the small expenses adding up to big debtThe importance of self-awareness, especially in understanding ADHD and autism in relation to financial habitsHow overcoming shame around money and debt was key to Suzi's journeyWhy traditional education skipped financial literacy, and what we should have been taught insteadPractical tips for getting out of debt and staying debt-freeResources Mentioned:StepChange (budgeting tool and support)Visit Suzi's websiteFollow Suzi on Instagram---------------------- Visit Maddy's Stan Store Follow Maddy on Instagram and TikTok
KISC My Health Stephen Lukawski and Joe Bradley with Peter Mingils on Building Fortunes Radio show Joe Bradley has had a the successful career and his story is told on the KISC My Health Radio show with Stephen Lukawski and Peter Mingils. Joe Bradley started out with the Probiotic company called Ganeden they moved over to Kerry then started his own business called Stepchange innovations. Joe is a friend and a business colleague Joe Bradley is a real superhero, trailblazer and a top gun in the nutraceutical industry. He has quite a story to share with all of us, including being the Founder of Karen Bradley foundation that deals with the struggles of finding a cure for MS, known as Multiple Sclerosis.. Joe can share his journey as corporate employee to a successful business owner. KISC My Health Building Fortunes Radio with Peter Mingils and Stephen Lukawski for making the world a better place. You can hear Captain Cranman Stephen Lukawski. Stephen Lukawski is the owner and CEO of RSSI Research Science Specialty Ingredients Inc. Over the past 30 years Stephen Lukawski has worked with several North American dietary supplement companies in the nutraceutical industry to help them connect with others in order to generate ingredient sales through innovative delivery systems and effective marketing and brand management strategies. In the nutraceutical industry a balance between helping companies grow their business while contributing to the health and well being of others is a great legacy to leave behind. https://www.buildingfortunesradio.com/kisc-my-health-captain-cranman-stephen-lukawski/ https://kiscmyhealth.com is the site that will have some other resources. Catch Stephen Lukawski on Linked In and Building Fortunes Radio
With the current state of the economic climate, it can really take a toll on our mental health. With money being one of the biggest causes of stress for people in the UK, it's vital that we are looking after our mental health. Because of this, I am joined with Charlotte Emily Price, to share some very much needed tips to help us look after our mental wellbeing! In need of someone to talk to? Please check out Samaritans, Mind, Christians Against Poverty and StepChange who have free hotlines, and offer free impartial advice. Fancy watching the full episode on YouTube instead? Click here. For more All Things Money, make sure you give us a follow on Instagram, Twitter and sign up for our monthly newsletter! Fancy supporting the podcast? You can do so here.
Tesco, Sainsbury's, Asda and Morrisons are now offering members of their loyalty schemes bonus points if they hit spending targets.特易购（Tesco）、桑斯伯里（Sainsbury's）、阿斯达（Asda）和莫里斯（Morrisons）目前为其顾客忠诚计划的会员提供奖励积分，只要会员达到消费目标即可。The challenges vary between supermarkets, but some involve shopping more frequently, while others are about hitting a spending target on specific products before a deadline. 不同超市对会员提出的挑战各不相同，有些需要会员更频繁地购物，而另外一些则需要会员在某个截止日期之前完成消费特定商品。Supermarkets say these schemes offer better value and more personalised savings, but the consumer group Which? and the debt charity StepChange have warned that setting shopping challenges could encourage people to spend more than they can afford.超市说这些会员项目为会员提供更物有所值的产品和更具个性化的省钱方案。但英国消费者组织 Which? 和债务慈善机构 StepChange 则警告称，给顾客设置购物挑战可能会鼓励公众超过自己的消费能力购物。Retail experts have told the BBC personalised prices and challenges are simply a way for supermarkets to get customers to spend more with them instead of their rivals. New data from the research firm Kantar suggest the average person has loyalty cards for three different supermarkets.一些零售业专家告诉 BBC，个性化价格和消费挑战只不过是超市想让顾客在自家多消费而不在竞争对手那里消费的一个方法。市场调研公司 Kantar（凯度）的新数据显示，一个普通顾客会拥有三家不同超市的忠诚会员卡。词汇表loyalty schemes 顾客忠诚计划spending targets 消费目标deadline 截止日期value 价值、物有所值debt 债务afford 能消费得起retail experts 零售业专家rivals 竞争对手loyalty cards 忠诚会员卡
National Insurance - a tax millions of working age people pay on their wages - is being cut this weekend, for the second time this year. The main rate of National Insurance has now fallen by a third - from 12% last year to just 8%. The Treasury says combined with above-inflation increases to personal tax thresholds since 2010, this will save the average earner over £1,500 compared to what they would otherwise have paid. What difference will it make to your pay?The debt charity StepChange has told Money Box a third of people they helped last year were behind on their Council Tax payments with an average debt of more than £1,700. What can you do if you're struggling to pay?Plus, changes to Child Benefit mean it will become available to thousands more families from this weekend - how will that work?Presenter: Paul Lewis Reporters: Sarah Rogers and Eimear Devlin Researchers: Sandra Hardial and Jo Krasner Producer: Craig Henderson Editor: Jess Quayle(First broadcast 12pm Saturday 6th April 2024)
Maddy Alexander-Grout Consumer and Neurodivergent Money Specialist Interviews Simon and Greg from Debt Charity StepChange. In this episode we cover all aspect of debt, when to get help, when to consolidate, how to get support with mental health and debt. Debt is something lots of people are struggling with, and this episode is useful for anyone who is struggling. As the UK's leading debt advice provider, StepChange have helped millions of people take back control of their finances. With 30 years of expertise behind them, their trusted advisors provide the public with free debt help at a time that suits them, offering practical advice and debt solutions where appropriate, whether that's applying for Breathing Space or specific debt solutions. Greg Jenkinson is a StepChange debt advisor and has been with the charity for over three years. He's eager to help spread the message that debt is nothing to be ashamed of and that help is available to anyone struggling with financial issues. Simon Trevethick is Head of Communications at StepChange, where he's worked for the past five years. He's previously worked at the homelessness charity Crisis and the National Education Union. Also, don't forget to check out the Mad About Money App for help with personal finance and money saving https://madaboutmoneyofficial.co.uk/
In this episode, I chat with Ben Eidelson, Co-founder & GP of Stepchange, an early stage venture fund that invests in product-led companies that will make a “step change”, pun intended, I'm guessing?, impact on climate. When editing the episode, Alex, our executive producer, told us he could already tell one of our best episodes yet. I very much agree. This turned out to be the VC meets product meets content special I was hoping it would be. We discuss all things product in climate, Ben being a 2 time exited founder to big tech, starting a climate fund in this environment, and why his kids changed his life. A huge shoutout to Ben for coming on the episode. This started out as me fan-boying to one of his episodes and here we are. As always, thanks so much for listening and enjoy the episode!---
The human brain is a prediction machine. It is continuously taking in your surroundings and analyzing the information it comes across.Whenever you experience something repeatedly your brain begins noticing what is important, sorting through the details and highlighting the relevant cues, and cataloguing that information for future use. With enough practice, you can pick up on the cues that predict certain outcomes without consciously thinking about it. Automatically, your brain encodes the lessons learned through experience.It gives us a way of observing the cues that creates our habits that help us change our behaviours...
Property buyers have said their home completions are being left in limbo after a company providing IT services to law firms was hit by a cyber incident. Money Box has found some of the UK's largest lenders have begun extending mortgage offers for those affected. A national debt charity is calling on lenders to improve the way they identify customers who're getting into problem debt. StepChange says its recent research shows almost half of people with credit debt are experiencing difficulty with household bills and 1 in 6 adults are using credit to make ends meet. UK Finance which represents banks and credit card companies says lenders are committed to lending responsibly.Charities are facing weeks or even months unable to access their own money thanks to the unexpected closures of their bank accounts. We've been getting emails about accounts being closed without people being given any reason or warning. UK Finance says banks will only take a decision to close an account after an extensive review and analysis. Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 2nd December 2023)
Exclusive data for Money Box suggest that 1 in 5 UK adults have had to ration things like heating or electricity to keep up with their debt repayments. 1 in 8 have changed the food they eat for less healthy options. The survey, carried out by debt charity StepChange, found a third of adults say they are in financial difficulties, but half would be reluctant to contact their lenders to try to sort things out. We'll speak to the CEO of StepChange Vikki Brownridge. Listeners who run community groups battle their banks over unexplained account closures. What are your rights? Millions of pounds of Pension Credit has been claimed by thousands of people in London who didn't know they were eligible. A recent campaign saw 8,200 older households in 17 London boroughs receive targeted letters to make them aware that they might be able to get the benefit. As a result there were more than 2,000 successful claims, worth just under £8.4 million. Plus, Money Box journalism leads to questions being asked in parliament over an energy scheme that thousands of people missed out on. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Jess Quayle (First broadcast 12pm, Saturday 16th Sept, 2023) 00:00 Rationing to pay debts 08:40 Bank Account Closures 14:44 Energy Bills 16:59 Pension Credit
15 million adults in the UK feel financially insecure as a result of the rising cost of living. And almost 1 in 10 say they have debt they don't know how they will repay – that's according to the charity Christians Against Poverty. Felicity Hannah and a panel of experts answer your questions on everything debt related - from the cost of childcare, bankruptcy and support if you have been the victim of financial abuse. Featuring, Alice Haine, Personal Finance Analyst at Bestinvest and Richard Lane from the debt charity StepChange. Presenter: Felicity Hannah Producer: Sarah Rogers Researcher: Luke Smithurst Editor: Jess Quayle (First broadcast 3pm, Wednesday 6th September, 2023)
Debt can feel overwhelming and like it's weighing you down, but it doesn't have to be that way. In this episode, we discuss the different types of debt that women face, as well as strategies for paying it off and avoiding common misconceptions. From student loans to mortgages, we provide tips and advice for managing debt at every stage of life. SPONSORThank you to our partner Unbiased.co.uk, a matching service that helps to connect you with the most experienced and regulated financial experts: https://www.unbiased.co.uk/FREE WEBINARJoin our financial advice webinar on July 20th:https://www.eventbrite.co.uk/e/do-i-need-a-financial-adviser-tickets-657633949847 RESOURCESAbigail Banks, Chartered Financial Planner at The Private Office (TPO): https://www.linkedin.com/in/abigail-banks-003929153/?originalSubdomain=uk Debt help: StepChange: https://www.stepchange.org/ National Debtline: https://nationaldebtline.org/CitizensAdvice: https://www.citizensadvice.org.uk/ CONNECT WITH VESTPODIf you want to read the main takeaways from the episodes, subscribe to our newsletter: https://www.vestpod.com/subscribe Or read on: https://www.vestpod.com/podcast Instagram: https://instagram.com/vestpod DISCLAIMERWe are not certified financial advisers! The articles and information made available on Vestpod are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances. Hosted on Acast. See acast.com/privacy for more information.
1 in 4 people in the UK are in danger of falling into financial difficulties - a single shock like their car breaking down will result in them falling behind on bills or credit payments. Getting into debt can lead to a vicious cycle and massive problems - just ask Damo. He nearly went bankrupt in his 20s and in this episode he tells T for the first time how bad it got. It's important to sort out problem debts before you can start doing wealth-building things like investing, so we explain when you're most likely to get into debt and what to do to get out of it. You are not alone. For free advice, which we can't recommend enough if you've got debt problems, please check out StepChange: https://www.stepchange.org/. By the way, Damo refers to the Consumer Credit Counselling Service in this episode. They are now called StepChange. This is the site Damo mentions (What's The Cost) but so you know, it's a slow and old school site: http://whatsthecost.com/. And this is our ‘how to budget' episode (budgeting is a key tool for getting out of debt). -- Sponsors Sensate: Get help with your anxiety & 10% off with the code MM10: https://www.getsensate.com/makingmoney Unbiased: Get help with your money from a financial advisor: https://www.unbiased.co.uk/makingmoney Manual: Fix your hair loss with code MM55 via https://bit.ly/48QBBo6. -- Bootcamp Get on the waiting list here: https://forms.gle/mdQgMgZBu8TWZ5qMA -- Newsletter If you want a bullet point summary from this episode, please subscribe to our newsletter: https://makingmoney.email/ep9. You can find all our previous newsletters on our website: www.makingmoneypodcast.co.uk/episodes. -- What's your financial health? Take our quiz: https://makingmoneypod.scoreapp.com/ -- Investment platforms Here are some of the biggest investment platforms in the UK - and Damo uses all of them too. Some of these are affiliate links. If you purchase a product or service using one of these links, we will receive a small commission from the seller. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk. InvestEngine Get a £25 bonus when you invest at least £100. https://investengine.pxf.io/daOD2Q Vanguard https://www.vanguardinvestor.co.uk/ This is not an affiliate link. Trading 212 Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1. https://www.trading212.com/promocodes/MM If you do not get your free share after depositing at least £1, use the promo code ‘MM' (for Making Money). You can use this code for up to 10 days after opening the account. … This is not financial advice. The reason it's not financial advice is because it's not tailored to you. We explain the principles of building wealth but if you want personalised advice, it's worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
“So how is it that we can make credit more equitable and affordable? The question hasn't changed, it is the answer that needs to change.”In a traditional model, the end-to-end cost of consumer credit involves the merchant paying a commission to the credit card company for facilitating the payment, the consumer paying the credit card company fees and interest for maintaining a line of credit, and the merchant paying Google or Meta for presenting an ad to their audience. As a career credit guy, I'd only ever considered the first two, that in a low-risk segment where interest is lower then fees might compensate and vice versa. But that marketing spend is really the cornerstone, because people don't borrow for borrowing's sake, they borrow to purchase a thing or service.“Now you can actually get in front of customers, and you know what they've bought in the past, you know what their affordability is, and you also know that they're spending in a sustainable way and that you, as a brand, are contributing to that sustainable commerce. And that's really where we think the sweet spot exists. Why don't we let brands rather pay our customers? In other words, use the brand's marketing budget to subsidise the cost of credit to our customer, and convince our customer to buy from that brand.”Zilch is at home at https://www.zilch.com/uk/ (or find the app for Apple or Android )Zilch is also on LinkedIn at https://www.linkedin.com/company/payzilch/ (plus Youtube, TikTok and Instagram with the PayZilch handle)If you want to follow the work of StepChange, the Debt Charity that got a shout-out in the episode, they're at https://www.stepchange.org/ You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Regards, Brendan Hosted on Acast. See acast.com/privacy for more information.
In this episode, we meet the founders of StepChange, a startup with deep expertise in sustainability and enterprise technology. Ankit and Sidhant are obsessed with the idea of a NetZero Society. And they have come together to work on one of the most pressing issues faced by society today: climate change. In this episode they talk about why it is important for us to become a netzero society, how we can achieve it and how they are helping large enterprises businesses become sustainable through data. ------------------------------------- Click here to get regular WhatsApp updates:https://wa.me/message/ZUZQQGKCZTADL1 ------------------------------------- Connect with Ankit and Sidhant :Linkedin : https://www.linkedin.com/in/jaineeankit/Linkedin : https://www.linkedin.com/in/sidhantpai/ ------------------------------------- Connect with Us: Linkedin: https://www.linkedin.com/company/startup-operatorTwitter: https://twitter.com/OperatorStartup ------------------------------------- If you liked this episode, let us know by hitting the like button and share with your friends and family. Please also remember to subscribe to our channel and switch on the notifications to never miss an episode!
Globally, 1.4 billion adults do not have access to banking services. This means they live in a cash-only world where they cannot save for their future, take out loans to support their business and family, or buy insurance. We speak with Accion and StepChange, two non-profit organizations doing their part to educate people about financial services and create a more financially inclusive world for all. Guests: Michael Schlein, President and CEO of Accion (https://www.accion.org/), Vanessa Northam, Head of Charity Development at StepChange (https://www.stepchange.org/) Hosts: Andrina Schwartz, Head of the Financial Inclusion Initiative at Credit Suisse, Catherine McLean, Investment Writer at Credit Suisse Further reading: Global Findex Database 2021 https://www.worldbank.org/en/publication/globalfindex/Report, Crisis UK article https://www.crisis.org.uk/about-us/media-centre/uk-government-failing-britain-s-poorest-households-crisis-warns/
The problem of debt is never too far from the headlines at the moment. This week a group of charities - Citizens Advice, Step Change and Christians Against Poverty - told the BBC they're seeing record numbers of people coming to them for help with problem debt. Why is that and what can people who're worried about debt do? We'll also look at the "Buy Now Pay Later" industry as the government looks impose regulation on the sector for the first time. And we'll talk about when credit can be used in the right way. All that and more with our panel of experts, Sarah Pennells, a consumer Finance Specialist at Royal London and Richard Lane, policy Director at debt charity Stepchange. Presenter: Dan Whitworth Producer: Sarah Rogers Researchers: Jo Krasner and Star McFarlane Editor: Jess Quayle (First broadcast 3pm Wednesday 15th January, 2023)
Lucinda talks to Phill Holdsworth of Aurun Gold Ltd, who are dedicated to taking the anxiety out of money, about financial wellbeing - how it's becoming even more of a concern with the recent rise is the cost of living, and what we can do to improve things for our people so as to best ensure that they do not have to bring their anxieties to the workplace. KEY TAKEAWAYS Wellbeing is the holistic view of a person, including physical, mental and financial. One always affects the other, and so if something is wrong it can lead to a downturn in productivity and engagement. If you do support your workforce with issues surrounding wellbeing, you can increase engagement and loyalty by caring for financial wellbeing. This also prevents the revolving door syndrome. If people aren't facing up to their financial obligations or struggling against the rising costs, we can't take the attitude that it's necessarily their fault, or that they are lacking in some way. People simply become overwhelmed. Simply raising salaries so as to provide more income does not solve people's anxieties around money. If they have more money, they will still worry. We need to understand the root psychological cause behind this. BEST MOMENTS 'If you think about true wellbeing, then you're thinking about the whole person' 'We are responsible for reward' 'People think that money will solve all their problems' 'Why is it that somebody who doesn't need to worry about money, worries?' VALUABLE RESOURCES The HR Uprising Podcast | Apple | Spotify | Stitcher The HR Uprising LinkedIn Group How to Prioritise Self-Care (The HR Uprising) How To Be A Change Superhero - by Lucinda Carney HR Uprising Mastermind - https://hruprising.com/mastermind/ www.changesuperhero.com www.hruprising.com Aurum Gold Ltd - https://aurumgoldltd.co.uk About The Guest, Phill Holdsworth Phill Holdsworth is a Multi Award Winning Money Psychologist and Financial Wellbeing Professional. He helps businesses improve the financial wellbeing of their employees. His work has been influenced by both personal experience and by 20 plus years in the finance sector. Useful links mentioned by Phill in podcast episode: Stepchange - https://www.stepchange.org/ National Debtline - https://nationaldebtline.org/ Christians Against Poverty - https://capuk.org/ Citizens Advice - https://www.citizensadvice.org.uk/ ABOUT THE HOST Lucinda Carney is a Business Psychologist with 15 years in Senior Corporate L&D roles and a further 10 as CEO of Actus Software where she worked closely with HR colleagues helping them to solve the same challenges across a huge range of industries. It was this breadth of experience that inspired Lucinda to set up the HR Uprising community to facilitate greater collaboration across HR professionals in different sectors, helping them to ‘rise up' together. “If you look up, you rise up” CONTACT METHOD Join the LinkedIn community - https://www.linkedin.com/groups/13714397/ Email: Lucinda@advancechange.co.uk Linked In: https://www.linkedin.com/in/lucindacarney/ Twitter: @lucindacarney Instagram: @hruprising Facebook: @hruprising See omnystudio.com/listener for privacy information.
For more tips and money-making ideas see Master Your Money the S.M.A.R.T Way training. Check it out for free - https://bit.ly/3isugCr. Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax. Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden. It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch'. The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs. With the right advice you can legally create a tax-free pot of money! If you are a landlord or property investor with three or more properties in your own name and would like to save tax email or message me. Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ Personal Debt Soaring Citizens Advice warns Half Citizens Advice clients are falling behind with debt payments and budget. With lending interest rates rising, unlike savings rates, and soaring inflation more and more people are using expensive credit card debt to pay for food. Citizens Advice guide to dealing with debts Work out how much you owe, who to, and how much you need to pay each month Identify your most urgent debts. Rent or mortgage, energy and council tax are called priority debts as there can be serious consequences if you do not pay them, and so they should be paid first Calculate how much you can cover in debt repayments. Create a budget by adding up your essential living costs like food and housing, and taking these away from any income such as your wage or benefits you receive See how you could boost your income, primarily by checking what benefits you are entitled to, and whether you are eligible for a council tax reduction or a lower tariff on your broadband or TV package If you think you cannot pay your debts or are finding dealing with them overwhelming, seek support straightaway. You are not alone and there is help available. A trained debt adviser can talk you through the options available Source: Citizens Advice See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women.This show was brought to you by Progressive Media
“Neither a borrower nor a lender be,” advised Shakespeare's Polonius. These words seem hopelessly out of touch in cost of living crisis with soaring inflation and astronomical levels of personal debt. The charity StepChange has warned that money borrowed by UK households to pay for Christmas could take years to repay. Meanwhile, a study by the Resolution Foundation suggests the British public are the worst in the developed world at saving. How did we get here? For some, our eye-popping indebtedness begins with a failure of personal responsibility, an absence of prudence, and an inability to discern between our ‘wants' and needs'. For others, the real problem is systemic, where borrowers are victims of a consumerist society that both pressurises and stigmatises the poorest. Pragmatists argue that debt itself is morally neutral and merely part of the furniture of modern life. Free market libertarians see debt as a democratising force, giving people greater personal agency. Whereas many religious and philosophical traditions have long believed that there is something intrinsically immoral about charging interest on lending. Is debt inevitable? Or a moral failing? If so, whose? Producer: Dan Tierney.
For more tips and money-making ideas see Master Your Money the S.M.A.R.TWay training. Check it out for free - https://bit.ly/3isugCr. Landlords with more than three properties held in their personal name, or paying higher rate tax, should consider moving their property into a limited company to save tax. Using a company structure can also help you pass property onto children while mitigating the inheritance tax burden. Watch video versionon my YouTube channel - https://youtu.be/mtGq7WaVxLA It has been 5 years since George Osborne introduced his Sec 24 tax changes, penalising millions of buy-to-let landlords, but you can do something to legally avoid the ‘Osborne gut punch'. The process is complex, legal and requires specialist advice. Landlords will incur fees, but the savings more than outweigh the costs. With the right advice you can legally create a tax-free pot of money! If you are a landlordor property investor with three or more properties in your own name and would like to save tax email or message me. Learn why 85,000 Buy-to-Let Landlords Quit Property Rental Market - https://youtu.be/NME3nEu8dAQ Personal Debt Soaring Citizens Advice warns Half Citizens Advice clients are falling behind with debt payments and budget. See: 10 Tips To Avoid Christmas Debt - https://youtu.be/n7vSK5LlONU The debt charity StepChange reports that the cost of living as their main reason for debt, and seven in 10 of them are women. The credit report company Clearscore reports data which shows a 7.1% increase in the use of expensive overdrafts since 2021. National Energy Action expects the number of UK households in fuel poverty to increase from 4.5 million last October to 8.4 million in April. If you are struggling with debt there is help available through charities like Citizens Advice and Stepchange: See - https://www.stepchange.org You may also be able to reduce debt repayments or even write off all or most of your debts with the right professional advice. Email or message me. Recessions create opportunities to make money and build a fortune if you have the correct mindset. For more ideas and tips, see out my new training to help you get control of your finances in 28 days! Click to join: https://bit.ly/3isugCr #freetraining #savemoney #moneysavingtips #mortgage #creditcarddebt #costofliving #goals #houseprices #property #getcontroloffinances #money #halifax #housingmarket #interestrates #inflation #tax #section24 #buytoletlandlrd #propertyinvestor
Inflation is soaring. The cost of living is punishing. And with it comes ever-increasing debt. Across the UK, millions of households are running well into the red to cover their absolute essentials. So what help is out there? What immediate steps can people take? And what happens if you simply can't pay? In a Q&A special, Richard Lane, an expert from the debt charity Step Change, tells Daniel Hewitt what you need to know.For more guidance and to see Daniel's latest reports, head to our Cost Of Living Advice page: https://www.itv.com/news/topic/cost-of-living-advice If you have fallen into debt you can get help at Stepchange.org.
Anxiety sucks. Heart palpitations, weak legs, upset stomach and on and on. But, anxiety also presents an opportunity for us to unfu*k ourselves. To not let anxiety win. To change our mindset. To live.In 5. DARE to Face Anxiety I share 5 tips, tools and techniques that my wife, me and many others have used to face our fears head on. It's not easy by any means, but it can be done.The 5 Tips, tools and techniques:The DARE ResponseCreating your own sceneConsider doing things afraidTake small steps...but stepChange your self-statementsI will...I will not...I hope you, a friend or other loved one finds this episode helpful. If you do, please leave a review on Apple Podcasts, subscribe and share.Read more about the DARE ResponseRead or listen to Unfu*k Yourself by Gary John BishopHave a plan, stay informed and get involved,KevinKevin Pannell, PMP | Creator & Host KEV Talks and You-Jitsu PodcastsTwitter & Instagram: @pannellkgWebsite: https://kevtalkspod.com
This podcast captures the views of some financial services industry commentators on the merits and drawbacks of ESAS (Employee Salary Advance Schemes).Guests on this podcast are:Matt Bland, CEO Co-op Credit Union, UKEmily Trant, head of Impact & Inclusion, WagestreamLindsay Melvin, CEO FlexiwageErik Porter, Wellbeing expertHow a Employee Salary Advance Scheme works:Specialist scheme operators, which are usually unregulated businesses, often provide the product as part of a 'wellbeing package' to help employees with financial management. Some offer employees an app based platform which sits between the employer's payroll operations and the employee's bank account. The employee can then a draw down usually up to half of their accrued or earned wages before their next pay day. The scheme operators usually charge the employee a fee for each drawdown. The employer will then pay the balance of the salary (i.e. net of the advanced payments and the fees for the service) on the next payday. Employees can make multiple drawdowns during each pay cycle and can repeat this again in subsequent periods.For many employees who do not have major debt problems, an ESAS (Employee Salary Advance Scheme) may be helpful where for a variety of reasons they need to quickly access some of their salary early. However, for employees with limited options, there are potential risks. Set out below are ways in which employers and scheme operators could mitigate some of these risks. Scheme operators could highlight, on the employee section of their websites or where they provide an app, that where the employee has underlying financial problems that a salary advance may not in itself be sufficient to resolve such issues and suggest that they seek financial help from a debt advice charity.Employers, when introducing their staff to such schemes, could similarly highlight the limitations of a salary advance and suggest that if the employee needs debt help or access to more holistic financial advice, they could signpost them to the Money Advice Service website. They could also provide contact details of debt charities, such as Citizens Advice and Stepchange.Bringing the above to the attention of employees may be particularly important where the employer and scheme operator become aware that individual employees are drawing down salary under the scheme on a frequent basis. Employees could be provided with periodic notifications where there is an accumulation of transaction charges.Similarly, scheme providers could develop systems that monitors the pattern of usage of individual employees. Where there is a pattern of repeat use which may be a sign of financial difficulties, then this could trigger alerts that might provide guidance and signpost the employee to organisations that provide free debt advice.The FSA says: The risks for employees and employers are:While the product has benefits, it is important that employees and employers are aware that there may be some risks in using these schemes.Lack of credit regulation. The regulatory and statutory rights and protections, from which borrowers under consumer credit agreements benefit, do not apply, as ESAS usually operate outside of credit regulation. For example, ESAS providers have no obligation to check affordability. Therefore, employees will need to satisfy themselves that they will have enough money on payday to pay other expenses they may incur at that time (for example their mortgage or rent payments), when they receive the balance of their salary. The high-cost short-term credit (HCSTC) pri Talking Credit Unions with Chris Smith is a regular podcast dedicated to informing credit union practitioners, leaders and opinion formers on variety of industry topics. To contact Chris Smith, smithowls@gmail.com
Joining us on today's episode are two extremely brave souls who decided to hit the ground cycling to raise awareness for mental health. Ben and Jay are currently cycling around Australia. Yes, you read that right. These two didn't even own a bike prior to deciding on this massive undertaking. With little to no experience doing something this extreme, Ben and Jay were determined to make it happen because of their new found purpose advocating for conversations around mental health. Their goal is to raise $100,000 for ‘Mindful Aus', a charity dedicated to empowering youth with the education and knowledge around mental health as a preventative measure. This is a valiant effort made by two men who have seen the dark side of mental illness and what it can do to an individual and a community. On today's episode, we sit down with Ben and Jay as they start their cycling journey to discuss why they started this challenge, their experience with mental health, and how they are trying to create change.Tune in to hear an inspiring story of resilience and perseverance!Topics discussed in this episode:When Jay and Ben decided to cycle around AustraliaThe purpose around cycling around AustraliaJay's experience with mental health and racismBen's experience growing up playing rugbyLife lessons learned travelling and exploring the worldThe fixation on the end goal versus taking the first stepChange in mentality after travellingJay and Ben's plans for after cyclingHow Jay and Ben planned and are executing the trip with no helpHow Jay and Ben chose ‘My Flaws' as the charity to donate toCreating awareness about mental health on the roadHow to prepare to cycle around AustraliaThe importance of knowing your ‘why'To make a donation to Ben and Jay's cause, head to their website and click on the donate button! Another way to donate is to purchase The Betar Project merchandise. $5 from every purchase will be put towards the boys and their charity ‘Mindful Aus'. Head over to the website. www.thebetarproject.com to get yours today!To listen to more episodes, head to Apple Podcasts here!Connect with NicK:InstagramTikTokYouTubeSupport the showConnect with Nick:Instagram TikTok YouTube
It's been quite the week in politics and on this week's Money Box we'll take a look at what it could mean for your personal finances. One of the biggest challenges the next PM will face is the economy and the many households feeling the squeeze. It's thought some of the candidates favour tax cuts, but there's also pressure to increase taxes to control government borrowing. Heather Self a tax expert at Blick Rothenberg and Tom Selby from the investment company AJ Bell will discuss. According to a new report, out on Monday, more people are falling behind with at least one household bill as the cost of living rises. Money Box has been given an early look at the Coronavirus Financial Impact Tracker, which suggests one-in-six households are now ‘in serious financial difficulty' compared to one-in-ten in October. Debt is also climbing - particularly among people who were already struggling. We'll speak to Professor Sharon Collard from the University of Bristol, who is one of the authors of the financial impact report which is funded by the Aberdeen Financial Fairness Trust. Plus advice from the debt charity Stepchange. Also, if you ignore a current account for too long - can your bank really take your money? And how hard is it to get it back? Our reporter Dan Whitworth investigates. Presenter: Felicity Hannah Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Jess Quayle (First broadcast 12pm Saturday 9th July, 2022)
With the news constantly reminding us about the cost of living crisis, it can be hard not to feel slightly anxious about the current economic climate. This in turn can leave many of us feeling financially anxious. Because of this, I am reunited with Carla Hoppe, founder of Wealthbrite to discuss what financial anxiety is, and to share some top tips on how to try and cope with it. If you are in need of some support then please check out StepChange, Citizens Advice, and Mind. For more All Things Money, make sure you give us a follow on Instagram, Twitter and join our growing Facebook Community! Fancy supporting the podcast? You can do so here.
Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: Welcome to another episode of our Daily Fintech Podcast. THE NEWS HIGHLIGHT OF THE DAY IS Klarna's UK executive Alex Marsh has hit out at Barclays for publishing a report that he called “mind-boggling” and “irresponsible”. This research explores mounting buy-now-pay-later debt levels in the UK. Barclays joined forces with debt charity StepChange to warn that 876,000 Brits could fall into financial difficulty as a result of using BNPL. JUST IN: Tesla CEO Elon Musk is facing a new class-action suit that alleges his actions involving the meme-themed cryptocurrency Dogecoin constitute a Ponzi scheme. ALSO: Digital bank Kroo has just won its full UK banking licence ahead of plans to launch personal current accounts "in the coming months". WHAT ABOUT FUNDING ROUNDS AND INVESTMENTS? SleekFlow, an Alibaba Entrepreneurs Fund-backed SaaS omnichannel social commerce platform, announced that it has raised an US$8 million Series A funding round. Tapcheck Inc., an employee financial wellness and earned wage access platform announced a $20 million Series A led by PeakSpan Capital. Blockchain-based paytech Roxe is to go public via a $3.6 billion special purpose acquisition company (SPAC) deal. WHAT ARE THE LATEST INSIGHTS? Thirty-nine new billion-dollar FinTech companies have emerged in the past year, making up 25% of all Unicorns
We have got to take our online safety as seriously as our physical safety. I'm working with colleagues in government to make sure scams are included in the forthcoming Online Harms Bill. People are sadly losing thousands of pounds via fraudulent advertising, emails, texts and cloned websites. Some have lost their entire life savings, their mental health has suffered, and there have even been cases of suicide. Debt charity StepChange is working to help victims - Petter Tutton, their head of policy, joins me on this episode of my community podcast.
Debt is a word that often comes with a lot of stigma especially within the world of personal finance. However, having some form of debt isn't as uncommon as you may think it is. Because of this, I am joined with Clare Seal, creator of My Frugal Year and author of Real Life Money to talk about her own personal journey with debt and to also share some top tips if you are someone currently struggling with existing debt and much more. If you are someone suffering in silence, please do reach out to someone if possible. Here are some of the free helplines mentioned in this episode: -StepChange: https://www.stepchange.org/ -Mind Charity: https://www.mind.org.uk/ -National Debtline: https://nationaldebtline.org/ -Christians Against Poverty: https://capuk.org/ For more All Things Money, make sure you give us a follow on Instagram, Twitter and Facebook! Fancy supporting the podcast? You can do so here.
Your weekly digest of the biggest money stories from the last seven days, this week looking at Clone scam warning StepChange's annual debt stats Mortgage prisoner news Virgin Media & O2's merger & more My guest this week is Helen Knapman, Assistant Editor at Money Saving Expert. Together we'll help you get up to speed with what's been going on. Read more about all these stories at becleverwithyourcash.com/cashchats186 Follow Helen on Twitter https://twitter.com/HelenKnapman ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence
In this special ‘What happened next’ Money Clinic episode, Claer catches up with US financial services worker Josh. When they spoke last October, he was hiding thousands of dollars in credit card debt from his wife. Under lockdown, the couple had managed to save up enough money to pay them off - but she wanted to use this cash for a deposit on their first home. The podcast experts had plenty of advice about dealing with credit card debt, and what could happen if Josh took on even more debt with a mortgage. Six months later, has he paid off his debt and cut up his cards, did he buy a property, and are he and his wife still talking openly about money? The experts were Sara Williams aka The Debt Camel, and the FT’s US finance editor Robert Armstrong. The original podcast was released on October 20 2020.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com, with a brief description of your story. Follow Claer @Claerb and read her Serious Money column. Further reading:-Free UK sources of debt advice include StepChange and Citizens Advice -In the US the government’s Dealing with Debt has plenty of pointers-Read, for free, Claer’s article on the UK’s biggest debt helpline and advisers’ tips, and her column Six ways to manage money - and not fall out with your partner-For a different take on debt, listen to this previous episode: Starting your debt free journey See acast.com/privacy for privacy and opt-out information.
Many people would like to move to a life with less or no debt, but taking the first step requires great courage. This week Claer hears from a couple in their 30s who have each run up large credit card debts. Duncan and his partner found that the pandemic made their debt problems worse. How can they get their finances back on track? Could a debt adviser help? Chris Browning, presenter of US podcast Popcorn Finance, has practical tips, and debt advice specialist Alan McIntosh explores different solutions.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.Further reading:-If you’re struggling with problem debt, this week’s experts say don’t wait for things to get worse before seeking advice. The earlier you seek help, the more options you’re likely to have-Free UK sources of debt advice include StepChange and Citizens Advice -In the US the government’s Dealing with Debt has plenty of pointers-For a different take on debt and budgeting, check out this previous episode: Should I pay off my credit cards, or buy a house? -Read, for free, Claer on the UK’s biggest debt helpline and advisers’ tips See acast.com/privacy for privacy and opt-out information.
This podcast is the third and final part of our series ‘How Instagram Fostered Recession-Ready Scams, Dressed as Female Empowerment’. Read Part One: https://www.thewotpod.com/article/scams-dressed-female-empowerment Read Part Two: https://www.thewotpod.com/article/scams-dressed-female-empowerment-part-2 This summer, influencer Sarah Akwisombe claimed to have made £1 million in a matter of months by selling business courses and coaching to fellow women via Instagram. Now, dozens are demanding refunds and questioning her sales tactics. We have been exploring claims that faux-feminist spaces are exploiting women using tactics derived from problematic MLM schemes. For this bonus podcast, Frankie Cotton is joined by Grace Holliday, Davinia Tomlinson and Egbe Manton. This episode is brought to you by Ohne. Find out more - https://www.thewotpod.com/ohne If you have been affected by the topics discussed in the podcast and need support, here are some free organisations you can get in touch with: Citizen’s Advice - https://www.citizensadvice.org.uk/ StepChange - https://www.stepchange.org/ Samaritans - https://www.samaritans.org/ Women’s Aid - https://www.womensaid.org.uk/ Episode Chapters 01:41 Chapter 1 - The debrief with Grace Holliday 11:15 Chapter 2 - The defining features of MLM schemes 19:03 Chapter 4 - The differences between financial advisers and financial coaching 21:11 Chapter 5 - At what point should you seek financial advice? 24:18 Chapter 6 - ‘Money manifestation’ 31:19 Chapter 7 - Consumer Rights with Egbe Manton 38:18 Chapter 8 - The lessons to be learned Team Guests - Grace Holliday, Davinia Tomlinson, Egbe Manton Host - Frankie Cotton Production Support - Georgia Buchanan Sound Editor - Beth Davison Get in touch Send your feedback to hello@thewotpod.com Tweet us https://twitter.com/TheWotPod Join us on Instagram https://www.instagram.com/thewotpod/ Or hop over to Facebook https://www.facebook.com/thewotpod Connect with Grace Holliday http://www.graceholliday.co.uk/ https://www.instagram.com/gracehollidayfreelancer/ https://twitter.com/graceholliday Connect with Davinia Tomlinson and Rainchq https://twitter.com/iamdavinia https://www.rainchq.com/ https://www.instagram.com/rainchq/ https://twitter.com/rainchq https://www.facebook.com/rainchq Connect with Egbe Manton https://www.instagram.com/egbemanton/ https://www.mantonlegal.co.uk/ Connect with Frankie Cotton https://twitter.com/FrankieCotton_ https://www.instagram.com/frankiecotton_/ For more information visit https://thewotpod.com
This week's video is talking all about debt and talking about ways to begin to get out of debt. If you need additional help, be sure to visit StepChange and National Debt Advice online. Grab your own debt spreadsheet by visiting: https://www.penniestopounds.co.uk/resourcesSupport the show (https://www.patreon.com/penniestopounds)
To coincide with this year's World Mental Health Day we're dedicating an episode to hear the impact financial concerns can have on your mental wellbeing. We'll hear from those worst affected, but more importantly find out what help is out there for those who need it most.A special thanks to Stepchange for their support in the production of this episode. See acast.com/privacy for privacy and opt-out information.
Podcast: The Drill Down - Exploring Oil and Gas Topics (LS 26 · TOP 10% what is this?)Episode: The Digital Oilfield with Tony Edwards of Stepchange GlobalPub date: 2017-05-18In this episode, we welcome Tony Edwards to the podcast. Join us for this discussion on the digital oilfield, part of our Digital Oilfield podcast series. Remember, our listeners get $400 off the registration price (use code EKT400) to the Upstream Intelligence Data Driven Production Conference. It’s happening in Houston on July 6-7. Click here to learn more! About Tony Edwards Tony is a recognized expert in the application of Digital Oilfield Technologies in the oil and gas industry. He has more than 20 years’ experience in the oil and gas industry, in leading companies such as BP and BG. His core discipline is in operations management, including 5 years offshore and 3 years as Operations Manager on major Oil and Gas projects. In this episode of Drill Down, we discuss Tony’s background in the digital oilfield and current trends and opportunities in this growing space. Relevant Links: Stepchange Global Upstream Intelligence Tony Edwards on Linkedin Digital Oilfield Podcast Series: We put together this series of podcasts in conjunction with Upstream Intelligence to bring our listeners up to speed with the latest trends influencing the digital oilfield. Upstream Intelligence Data Driven Production Conference with Louis Vye The Digital Oilfield with Tony Edwards of Stepchange Global Innovations in the Digital Oilfield with Joe Perino Data Driven Production with Jim Crompton Timestamps: [1:00] Tony Edwards’ background – The field of the future [2:45] Mining vs Upstream – comparison and commonalities [3:45] What sparked an interest in the digital oilfield [7:00] Breaking down silos – colocating multi-disciplinary teams [9:10] Integrating teams and technology – impact on production platforms [12:30] Onshore & Shale Digital Oilfield – from the low cost ecosystem model to a low cost / smart hybrid [16:00] Last thoughts – Opportunity in greed-field operations to drop cost and CAPEX through digital oilfield implementations Transcript: Hi everyone. Welcome to the Drill Down with Marty Stetzer. This podcast is part of our EKTI, oil and gas learning network, and brought to you jointly today with Upstream Intelligence in the UK. Upstream Intelligence is the foremost provider of business intelligence and analysis for the upstream oil and gas community. They’re devoted to providing unique industry insight to drive efficiencies, reduce cost, and maximize production capabilities. Today our topic is data driven production. With an estimated global value of 31 billion dollars by 2020, the digital oilfield is the oil and gas industry’s hotbed of innovation, including big data analytics in the industrial internet of things, or IOT. Today I’ll be speaking with Tony Edwards, an industry veteran. This is our first podcast with Tony, an expert in this field. We are really happy to have his input on this new and important part of the upstream business. Tony, welcome. Thanks Marty. It’s great to be here. As we start, can you give our listeners your background? Yes. I joined BP as a young graduate in the late 1980’s and progressed on a pretty general career in oil and gas, mainly in petroleum and production engineering, some time in RND. Then I really ended up in operations management, and ended up working in North Sea, Southern North Sea, and as offshore as an OIM, and as an operations manager in Baku. Then my career took a bit of a shift and in 2003 I was asked to join a new program that was called field of the future, which was BP’s version of digital oilfield, and so I was part of the original team that set up the entire concept inside BP on how we were going to use real time data and information to make forms improvement inside our upstream operations. From there I moved to BG Group in 2006 and set up there a digital oilfield program from scratch, and I did that for three to four years. Then in 2009 I joined Stepchange Global and decided to do this on the outside in a consultancy firm, and we’ve been advising oil and gas companies and indeed mining companies on how to implement digital oilfield and integrated operations around the globe. Tony, that’s interesting. I didn’t realize in addition to the upstream side of the business, the mining folks are interested. Can you elaborate on that a little bit? Yeah, we’ve seen that there’s an awful lot in common in oil and gas and mining in general. They’re both extractive industries, they’ve both got extended value chains in many cases, you know not kind of, an upstream or mine piece, some sort of delivery system, pipelines or rail, and then some sort of export business. If you look at it, their model is actually pretty close to some of our core operations like LNG. They’ve also got a lot in similar in the fact that they often have siloed organization. They have all the same sort of organizational people challenges of getting people to do things a different way, so we find that a lot of what we learned in oil and gas is ported over pretty easily into mining sector. We’ve done work with mining companies on iron ore mines in Australia, copper mines in Chile, and more recently on a brand new potash mine in Canada. Tony again, thanks for being part of this effort. You mentioned earlier and I understand your primary focus is the organizational impact of some of these new technologies. What in your career or in your consulting side kind of sparked your interest in this piece of the puzzle? Well I think if we dial back to the early days of digital oilfield and integrated operations when many of the big companies were kicking off with concept . There was BP, Shell, Statoil, Conoco in Norway, and in the national oil companies in particular, Saudi Aramco. We were all trying to understand what the dimensions were of this big new thing, where we can have real time data and information coming off of our assets, coming off our platforms, and it being available for use in the office, and available to experts in the office, and what were we going to do with it? Of course the initial focus was very much around, “We need to get the data.” So, how do we capture the data, how do we store the data, how do we transmit the data. Of course one of the big breakthroughs was the advent of high bandwidth communications, particularly in areas like the North Sea where fiber was laid very early on. So we could get that data, but then it was very much about, what do we do with the data? Initially the push was to get these IT data and information systems in place, and then we went through a phase of building rooms, collaborative rooms. We worked out pretty quickly that you needed teams to look at the data, or analyze the data, and look at opportunities in that data, and then convey those to the guys in the field who were going to do something different. Early on the focus was on the technology in the rooms, and we very quickly worked out that if you took the, “If we build it, they will come,” approach, they basically did. We then switched this around to thinking about it as technology-enabled transformation, and how do you change the … How do you get the people on board. Literally say, a technician or an operator offshore or onshore he’s been doing something the same for 20 years, how do you get them to do something different? Because now we’ve got data and information which can inform where they need to be at any one time. We needed to look at the processes, so when you look at process work flow, they were generally geographically constrained around a platform or a site. Now we’re saying actually we can have people looking at the data, and the process could be done remote. So how does that change? Then also the organizational alignment, how do we organize ourselves to take value from having this data and information? We quickly understood that just having the data and information was just not good enough. We needed to think of it in much broader terms, and certainly companies like BP, and Statoil, and others started thinking about this is a transformation program, or continuous program rather than a technology program. Tony, you mentioned earlier the challenge of the silos, which in our consulting and in our training programs we’re still seeing. Was there any way that this helped break down some of the silos by having disciplines, look at problems, or different ways of even setting up the remote operation centers with multi disciplines? Did that help, breaking down the silo side? Yes it did, and what we found as well is if you wanted to do something like production optimization; and you wanted to be able to optimize a molecule of oil and gas from the reservoir to an export point wherever that happened to be, and of course in gas that could be a very long value chain, in an offshore oil platform might be shorter. But whenever you looked at it, it spanned reservoir, petroleum, production engineering, facilities engineering, operations, pipelines, and maybe even commercial. We found that once you started having this real time data and information, a traditional siloed organization that was meeting-based just wasn’t fast enough, wasn’t agile enough, so we started moving towards this idea of multi disciplined delivery teams. So you would co-locate a production optimization … You would form a production optimization team, which was the co-location of representative from reservoir, petroleum, production, operations, facilities, pipeline, commercial in a room, and then they would work as a natural team to deliver the field optimization. So that was an example. Another example would be around facilities, discipline, engineering, so instead of having mechanical, electrical, instrument automation all being separate, again we would co-locate representatives from each of those disciplines together in a room just to support the guys in the field in a non siloed, fully integrated way, if that makes sense. It does. Were there impacts say, on the production platforms as well? You mentioned the remote operation centers, and we’ve seen examples of that in our visits to some major clients, but what about on the production facilities themselves? Were there some benefits there? Absolutely. I think the one thing you haven’t got to forget about is what’s at the other end, if you know what I mean. It’s a bit like the idea of if you’re the only person in the world with the mobile telephone, well it’s actually not very useful. What we’ve seen is that if you have a collaborative environment in your office, then very much you need to have the ability for your teams in the field to collaborate as well, so that could be either by mobile working devices, which are now becoming much more available. It was a difficult thing to implement 10 years ago although it was done in a few locations, or it was actually we need to mirror the fact that we’ve got a production optimization team in the office with some sort of team in the field. Typically we would then co-locate a production engineer and some of the production team in a room on the offshore platform, and we would have always-on video, always-on data and information exchange between the two. We see this very much as an organizational alignment, so some of the dimensions that you can think about are integrating across the silos is one dimension, and you most often do that in the office, but you want to do it in the field as well if you can. Also you’re integrating between the operational location, offshore platform or gas hub, land based operation, and your office, so you’re integrating between the field and your office. That’s one of the other big barriers. Of course there’s the big divide between sub surface and surface disciplines you want to integrate across there. The other one we see is a key dimension for integration in this approach is time. So we advocate what we call a time slice organization, where we co-locate people around the time scale of the work that they do, so typically the guys in these collaborative in environments are doing short term support work, and they’re the point of focus for the guys in the field. The guys in the field always know who they got to go to, and the guys in the office, in the collaborative environment, they’re almost triaging the issues as they come in, and they’ve got complete asset awareness, or situational awareness of what’s going in the field at the same time. It just streamlines all of those communication processes. The guys involved understand what’s going on, understand what the priorities for the day. The result of that is enhanced production, enhanced recovery – free from unplanned events, the better implementation of maintenance practices because you’re being supported remotely by your experts in the office. There’s a whole bunch of value you can get once you put the ability to collaborate and share data in place between an operational site and an office location. Tony, we’ve talked about offshore. Is there any analogy, or any operators using these same concepts of techniques in onshore? Especially in the shale plays that you’re familiar with, where we’re drilling hundreds of wells, and it’s more like a mechanical production operation than it is like a classic drill and complete operation. Are you seeing anyone using it in the onshore side of the business as well as the offshore? Yeah, absolutely. We’re seeing a lot of effort in the onshore side, and we’ve done work with coal bed methane operators in Australia, for instance. The big coal bed methane to LNG assets in Queensland, of which there are three, all of them have gone down this route, and two of them have actually remotely controlling all of their wells and gas facilities from the center of Brisbane, would you believe. They pushed this concept really quite a long way and we’ve been involved in the forefront of this with them in Australia. We’ve seen certainly SAGD operations in the tar sands are really beginning to embrace this in Canada. In terms of shale, oil and shale gas, typically that model has been what I would call a low cost ecosystem model, so it runs very well because one, it’s been low cost, and two, the ecosystem of companies are there to deliver this in a very efficient manner. But we are beginning to see the emergence of what I would call a low cost, smart hybrid, where I think those operators are beginning to see just being low cost, especially in the current environment, it runs out of steam in terms of giving you the value you need, and you now need to go more towards a smart approach. We’ve been working with one operator in Pennsylvania, and typically the traditional mode of operation would be to send an operator to look at a well every day, and in fact the local legislation says you have to visit this well every week to look for leaks, would you believe. The whole idea of sending a person into a gas production system to look for leaks is not something I would advocate at all. We should have instrumentation to do that sort of thing. But we’re working with this operator, and we’re pushing it, we’re trying to push it to the point where we visit the well once every three months. That is going to mean that we have to challenge the legislation, but I think we can put the senses and the monitoring, the surveillance, in real time in place to make that case pretty easily. So yes, we are beginning to see shale gas, shale oil do this and indeed a number of the kind of independent land based operators, and we’re working with a few at the moment. I think it has been somewhat slower uptake in that area just because the model they’ve had, it has been different to what you might think of as a big offshore oil operation, or even a big land-based complex operation. Tony, this is terrific. I know you and I could keep this up all, but I think the insights that you’ve given our listeners on the impacts of these new systems on organization, minimum manning, and production efficiencies, and especially the relationship between mainstream oil and gas and mining, and coal bed methane, which was completely not in my radar, will be extremely valuable. Is there anything that you would like to say to wrap up to our folks, if they want to seek more information on these topics? Yes. Just one thing I would say is that historically we’ve been doing a lot of work in brownfield operations, but there’s absolute huge opportunity in greenfields. If you take what we’ve learned in brownfields and you translate that into green- fields, we absolutely believe that we can drop operational costs significantly, and by significantly I mean 50 to 70 or 80 percent. We can also reduce capex as well, and we’ve done a number of studies on new greenfield projects where we’ve been working with this idea of radical minimum manning, and trying to inject that into the project concept up stream. So I think that’s going to be the next big thing in terms of where we go, so more automation, less manning, more safer operations because we have less people, so that’s fundamentally where I think we’re going to be heading. If people are interested in hearing more about this, or seeing more about this please go to our website. I work for Stepchange Global, which is an independent oil and gas consultancy specializing in digital oilfield and integrated operations, and our website is www.stepchangeglobal.com. I’ll be at the conference in a couple of weeks time, it would be great to see people there, so if you want to have a chat on anything I’ve been talking about please don’t hesitate to get in touch. Thanks again Tony, I look forward to meeting you when you’re in Houston, and folks who would like to learn more about the basics of the important oil and gas industry, be sure to check out our free Oil 101 series at www.ektinteractive.com. Thanks everyone for listening. The post The Digital Oilfield with Tony Edwards of Stepchange Global appeared first on EKT Interactive.The podcast and artwork embedded on this page are from Marty Stetzer, which is the property of its owner and not affiliated with or endorsed by Listen Notes, Inc.
Debt is scary. One in two adults with debt has a mental health problem. The shame surrounding the topic of debt makes people even less reluctant to discuss it. Yet debt is also incredibly common - up to 8.3 million people in the UK are unable to pay off debts or household bills. Clare Seal was one of the many adults who found herself in spiralling debt, spread across seven different credit cards. She set out to document her debt repayment journey through @myfrugalyear - an Instagram account that's now become a tight-knit community.We speak to Clare about how she got into and tackled her debt, the stigma attached to discussing debt and how her community helped her stay accountable. Since recording the podcast, Clare managed to repay even more of her credit card debt and she now has an outstanding balance of slightly more than £11k!Clare's book “Real Life Money: An Honest Guide to Taking Control of Your Finances” is out now and available from Amazon - you can also pre-order The Real Life Money Journal here. If you need debt advice you can reach out to StepChange as recommended by Clare. And if you're struggling with mental health, don't hesitate to visit and contact Mind or The Samaritans.You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com/You can follow us on Instagram @vestpod and join our Facebook group.My book is available to purchase from Amazon and your favourite bookshop.* Please note that we are not certified financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.* See acast.com/privacy for privacy and opt-out information.
This is Ashton’s third appearance on the Managing Marketing podcast. Ashton Bishop is the CEO of StepChange, who have been studying the way customer-centric transformations occur within organisations both successfully and unsuccessfully. In the process they have clearly defined the requirements of a successful customer-centric transformation and identified seven fundamental shifts required to create a truly customer-centric business. You can find out more on this research and the insights here. https://info.hellostepchange.com/redefining-customer-centricity https://www.trinityp3.com/2020/07/seven-customer-centric-shifts/
“We talk about sex more than we talk about money,” says Bola Sol, financial wellness coach and founder of the Rich Girl Chronicles. “You have to question these things. I don’t get it.” Bola is one of our two guests on this week’s episode of our HuffPost UK life podcast, Am I Making You Uncomfortable? in which we are tackling the stigma we feel talking about money head on. Also joining us is Josie Warner, senior research and insight officer at the debt charity StepChange, to talk about breaking the cycle of debt and smashing those taboos around money. See acast.com/privacy for privacy and opt-out information.
In this episode, Helen is joined by Consumer Rights Expert, Martyn James. Helen and Martyn discuss consumer vulnerability in light of Covid-19, in particular financial challenges facing individuals today.If you are affected by what is covered in this episode please do talk to someone about your financial situation. You can also contact the following organisations for advice and support:StepChange https://www.stepchange.org/Money Saving Expert https://www.moneysavingexpert.com/loans/debt-help-plan/You can also visit Resolver's Guide to Coronavirus, which highlights all the support and advice available to help you during this pandemic.https://news.resolver.co.uk/resolvers-guide-to-the-coronavirus-resources
Adam Shaw and guests talk to people struggling with bills and finding it hard to access credit. They offer practical advice about how to stay on top of your finances. Guests: Richard Lane from StepChange and Sara Williams from Debt Camel. Email: moneybox@bbc.co.uk Producer: Ben Carter Editor: Emma Rippon
The Employee Share Ownership Centre, Esop Centre, is a non-profit, subscription-based organisation which draws from over 30 years of experience to inform, lobby and research in the interest of developing all forms of broad-based employee share ownership plans in the UK and Europe. The Centre works with governments, the European Commission, businesses and employee organisations to build widespread support for employee share ownership and spread the wages of capital. The first employee share ownership plan in the United Kingdom was launched in 1987 at Unity, the trade union bank. Esop Centre Life President, Malcolm Hurlston CBE, was inspired by a visit to the United States where he studied the use of employee stock ownership plans in American airline companies. He was instrumental in bringing about the first UK employee share plan. Drawing on these experiences, he formed the Employee Share Ownership Centre in 1988. Speaker: Malcolm Hurlston CBE. Malcolm is the epitome of a social entrepreneur and Life President of the Employee Share Ownership Centre, Esop Centre. He conceived the trades union bank Unity in 1980, and founded the Registry Trust in 1985, the Employee Share Ownership Centre in 1987, and the charitable Foundation for Credit Counselling in 1992. Malcolm designed the Employee Share Ownership Centre to bring leveraged employee share ownership to Europe. Educated at Cambridge, he trained as a Russian interrogator during national service. He then worked as a journalist, television trainer and lobbyist. He is visiting professor at the University of Westminster. He is also President of the Foundation for Credit Counselling (now t/a StepChange) which he founded in 1992. His work in financial services was recognised in the Queen's New Year Honours List 2013 when he was awarded a CBE. Interested in watching our webinars live, or taking part in the production of our research? Join our community at: https://bit.ly/3sXPpb5
On this weeks Money Bites, we're taking you through our favourite moments from 2020 so far! We’ll have a variety of prank calls, big cheese grillings & of course, a round of the renowned confectionery competition, Skittlemania! (01:00) - Interview with Phil Andrew of Stepchange (03:14) - Mr. Money Prank Call One (04:47) - Interview with Adam Dodds of Freetrade (07:44) - James Herbert of Hastees' record-breaking Skittlemania! (09:52) - Mr. Money Prank Call Two (12:20) - Interview with Robert Kelly of ABCUL (15:15) - Historic journey through FinTech (19:08) - Interview with Angela Clements of Fair For You You can reach us at hello@smartmoneypeople.com, on twitter at @SmartMoneyPPL or visit the site at smartmoneypeople.com (http://smartmoneypeople.com/) .
Should the unwed lose out on a benefit paid to married people? Bereavement Support Payment is available to the widows, widowers or surviving civil partners of people who died on or after 6 April 2017. There's additional money if they have children. A recent High Court judgement held that the Pensions Act, by excluding bereaved unmarried partners from claiming Bereavement Support Payment, contravened the human rights of any children they might have. This week, Prime Minister Boris Johnson told parliament that he would look into what he described as an "injustice". Guest: Alison Penny, director of the Childhood Bereavement Network. Richard is 20 and earns £18,000 a year. He applied online for a credit card. When this was approved he was shocked to find he had an £8,000 credit limit. Guest: Peter Tutton, head of policy, StepChange debt charity. If you missed the January self-assessment tax deadline, picked up a £100 penalty and still haven't filed, there's another deadline. It's March 1st and if you have tax to pay the penalties for missing it could cost you a great deal more. How can you track down old pensions from past jobs? When you find them, will you be able to you lump them together? Guest: Claire Trott, head of pension strategy for Technical Connections. Presenter: Paul Lewis Reporter: Dan Whitworth Producer: Charmaine Cozier Editor: Emma Rippon
This week on Money Bites by Smart Money People, we’re asking ‘Who Can Help You Get Out of Debt?’ It's an important topic to cover, and we're delighted to be talking with Phil Andrew, CEO at StepChange & Sara Williams, the Founder of Debt Camel. (00:45) - Interview with Phil Andrew, CEO at StepChange (18:13) - Skittlemania with Phil Andrew (20:38) - Interview with Sara Williams of Debt Camel You can reach us at hello@smartmoneypeople.com, on twitter at @SmartMoneyPPL or visit the website at Smart Money People (https://smartmoneypeople.com) .
Across the series we’ve had the opportunity to hear from so many amazing people, and so in the final episode of the series Kalpana and Bea take a look back over some of their favourite moments of the series. They also discuss the important things that have been brought up that we need to remember going forward, and Kalpana gives her final tips. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. You can find Kalpana on Twitter @kalpanafitz and Bea is @beaduncan_. Gemma Godfrey @GCGodfrey, John Webb @askjohnwebb, Dilpreet Bhagrath @Dbhagrath, Katharine Swindells @kathy_swinds, Jenn @jefflebum and Stepchange @stepchange. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.
Bea speaks to a variety of the contributors heard from across the series, including Gemma Godfrey, former CEO of Moola and recent winner of Arnold Schwarzenegger’s show ‘The Apprentice’; Simon, CEO and founder of savings app Chip; Sue Anderson from the debt charity Stepchange, Vicky Spratt, a housing journalist; Katherine Swindells, the former welfare office at The University of Sheffield Students’ Union; Dilpreet Bhagrath, a mortgage expert at Trussle, and recent masters graduate Anna. They talk about a variety of issues that crop up when we think about spending, such as how long cash might stick around, the problems that arise when using contactless or going into an overdraft, and how to save money while renting. Kalpana gives her top tips for curbing impulse spending, and how to go about setting up a budget for yourself. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Gemma is @GCGodfrey, Vicky is @Victoria_Spratt, Dilpreet is @DBhagrath and Bea is @beaduncan_. Information about debt help can be found on @StepChange. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.
Debt is an incredibly serious topic, and can affect our lives in so many different ways. Bea chats with two people from the debt charity Stepchange; Head of media Sue Anderson, and Andy Shaw, who is a debt advice coordinator. Sue gives heaps of vital information about exactly what debt is, how it can occur and how we can go about removing the stigma. She also gives some practical advice as to the ways we can begin to tackle debt and go about seeking help. Andy explained how debt can spread to other areas of your life, and what to do if it does. As well as this he laid out exactly what would happen if you approached Stepchange for help with your debt, and the steps you would likely take to start working on your debts. Kalpana clarifies exactly what insolvency and the Ombudsmen are, and what declaring bankruptcy entails. We also revisit the stories of Jen and Elysia from our borrowing episode to hear how debt affected their lives and what they did about it. Debt charity links: ● https://www.stepchange.org ● https://www.nationaldebtline.org ● https://www.citizensadvice.org.uk ● http://www.debtadvicefoundation.org You can join the conversation with the hashtag #Money101Pod. You can get loads more information and help for debt by following @stepchange on Twitter. Kalpana is @kalpanafitz, Jen is @jefflebum, and Bea is @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.
From a loan to start a business, or money to fix a car which is vital to your life, when it’s done properly and safely borrowing money can be extremely helpful. However, there are times when borrowing money can cause more problems than it solves. Bea listens to the experiences of Jen and Elysia, who both borrowed money using payday loan lenders and experienced negative consequences because of it. We also hear briefly from Sue Anderson, from the debt charity Stepchange, about whether borrowing money is good. For help, details of organisations offering information and support with issues discussed, are available at bbc.co.uk/actionline. Debt charity links: ● https://www.stepchange.org ● https://www.nationaldebtline.org ● https://www.citizensadvice.org.uk ● http://www.debtadvicefoundation.org You can join the conversation with the hashtag #Money101Pod. Kalpana is on Twitter @KalpanaFitz, Jen is @Jefflebum and I’m @beaduncan_. The host is Bea Duncan. The producer is Renay Richardson. The assistant producers are Bea Duncan and Rez Marino. This is a Broccoli Production for BBC Sounds.
On today's podcast we discuss demands from the Brexit Party's leader on Theresa May's last day as Tory leader, Labour's narrow victory in the Peterborough by-election and how overdraft fees are changing.
New safeguards for victims of bank fraud come into effect from Tuesday. Over 350 million pounds was stolen from accounts last year through what's called Authorised Push Payment Fraud - that happens when a person is tricked into transferring money into a fraudster's account. Often the banks have refused to refund victims but now they will have to. Figures released this week by StepChange - one of the UK's largest debt charities - show a big rise in the amount of debt relief orders in England and Wales. But what is a debt relief order and why are they at a four year high? Researchers at Newcastle University have found that a ban on online borrowing between 11pm and 7am could protect consumers and are calling for the introduction of 'credit curfews'. And when a Money Box listener's partner died suddenly just days after they had taken delivery of a new car she could no longer afford the repayments. But the finance company initially told her it would cost tens of thousands of pounds to get out of the contract. We speak car finance with a consumer contract lawyer. Presenter: Adam Shaw Reporter: Dan Whitworth Producer: Alex Lewis Editor: Emma Rippon
Why don’t we just do what we need to do to better our lives? We set resolutions and action plans. But procrastination and excuses take hold! This topic fascinates me! I have learned that the clients that are the most successful in achieving their goals are the clients that invested (or sacrificed!) valuable time, money and effort. You are much more engaged to prioritise and shift your mindset to ensure your success. Because YOU deserve to live your BEST life!
On April 6th the loan charge comes into force. It's an anti-tax avoidance measure which will enable HMRC to recover tax from disguised remuneration schemes which involved paying earnings back via a loan. Contractors, some of whom now face bills of hundreds of thousands of pounds, have told Money Box they were advised by their accountants to use these schemes, while others said they were told they would lose contracts without one. HMRC options for people in this situation are to repay the loans, settle the tax due or pay the loan charge in April which will apply to all loans made since 6 April 1999 if they are still outstanding. If a settlement has been agreed or is in progress with HMRC the charge will not apply. Guests: Andy Chamberlain, Deputy Director of Policy and External Affairs IPSE and Rebecca Benneyworth, Tax Lecturer and writer. Money Box listeners have been in touch to ask "what happens to debts when you die?" Guest: Andy Shaw, debt advice co-ordinator with StepChange debt charity. Margaret Snowdon, Chair of the Pension Scams Industry Group, discusses the findings of its pilot survey of three pension providers, who between them handled 27,000 pension transfers worth £1.33bn in a year. One of the aims of the survey was to identify areas where scams concerns around pension transfers might arise. It found the top concern to be the involvement of unregulated introducer firms who generate business leads for authorised advisers. Presenter: Paul Lewis Producer: Charmaine Cozier Editor: Richard Vadon
In this episode of the Maven Money Personal Finance Podcast… Andy dives into the complex world of debt. Are you living beyond your means? Or want to avoid getting in that situation in the first place? This is the episode for you. Quick Preview of the Podcast: Understanding and managing credit. Manageable vs unmanageable debt. Encouraging good money behaviour in children. Good debt, bad debt, and good(ish) debt. Links: StepChange Money Advice Service National Debtline Citizens Advice Debt Advice Foundation How the economic machine works Add up Global Rich List 21 Lessons for the 21st Century Leave a review! Don't forget to check out the Maven Adviser website for more great content. So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show. Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.
More than 90,000 graduates were refunded hundreds of pounds last year after HMRC took payments for their student loan even though they had paid it off. Money Box has discovered these overpayments are routinely taken for many months because HMRC fails to communicate properly with the Student Loans Company. The programme hears from graduates who've experienced this and from tax expert Graham Farquhar at RSM. The UK's biggest doorstep lender is in trouble. Shares in Provident Financial plummeted 65% at the end of August. They have recovered slightly but now the company has issued another profit warning after trying to modernise its business and save costs. Doorstep lending began over a hundred years ago. Local agents arrange loans in customers' homes and collect repayments weekly. The sums involved are often small. But the interest charged is very high - more than 500% on a six month loan. A former Provident Financial Agent Ian sheds light on how the business of doorstep lending works. And Peter Tutton from the debt charity Stepchange outlines his concerns. Big changes are coming in the way that investment funds treat their clients. From January they will have to bill customers separately for the cost of research - at the moment it is bundled into the annual charges. Some funds - like the US mutual Vanguard - have said they will absorb all research costs. That could bring charges down. But there are other changes all being brought in under a European Directive that could put charges up. Louise Oliver, Chartered Wealth Manager and Director of Piercefield Oliver and Gina Miller, Director of fund manager SCM Direct, debate the issues.
Thanks for listening to the EKT Interactive Oil and Gas Podcast Network. In this episode, we welcome Tony Edwards to the podcast. Join us for this discussion on the digital oilfield, part of our Digital Oilfield podcast series. Remember, our listeners get $400 off the registration price (use code EKT400) to the Upstream Intelligence Data Driven […] The post The Digital Oilfield with Tony Edwards of Stepchange Global appeared first on EKT Interactive.
Thanks for listening to the EKT Interactive Oil and Gas Podcast Network. In this episode, we welcome Tony Edwards to the podcast. Join us for this discussion on the digital oilfield, part of our Digital Oilfield podcast series. Remember, our listeners get $400 off the registration price (use code EKT400) to the Upstream Intelligence Data Driven […] The post The Digital Oilfield with Tony Edwards of Stepchange Global appeared first on EKT Interactive.
Thanks for listening to the EKT Interactive Oil and Gas Podcast Network. In this episode, we welcome Tony Edwards to the podcast. Join us for this discussion on the digital oilfield, part of our Digital Oilfield podcast series. Remember, our listeners get $400 off the registration price (use code EKT400) to the Upstream Intelligence Data Driven […] The post The Digital Oilfield with Tony Edwards of Stepchange Global appeared first on EKT Interactive.
Ashton Bishop, CEO of StepChange returns to Managing Marketing to talk with Darren on the relentless pace of change and the impact on categories, organisation and their marketing. They explore the drivers, the effect of change fatigue and explore the benefits of embracing change and the opportunities it creates on a personal and organisational level. https://www.trinityp3.com/2016/06/disruptive-effect-of-change-on-organisations/
Women and Money with Sarah Pennells, talking to, Mark Bristow, from The Financial Healer, Neil Shah, Director of the Stress Management Society and author of ‘The 10-step stress solution’ and Terry Donohoe, StepChange debt advisor. about managing your finances and stress at Christmas.
Jeff Cooper & Ashton Bishop, Senior Partners at Stepchange talk with Darren on the meaning of strategy and why it has become so confused in marketing and advertising. In a category where everyone appears to be a strategic expert, they differentiate between strategy and simply planning. https://www.trinityp3.com/2015/11/what-makes-a-good-strategy/
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